I conduct a financial needs analysis to determine my client's goals and offer a solution through Insurance and Investment Planning.
Problema ba na hindi mo alam na may problema ka?
Paano mo bibigyang solusyon ang isang problema kung hindi ka aware na nag-eexist ito in the first place? At ang problema ng karamihan sa mga Pilipino ay nakafocus lang sila sa Wealth Building. Magtatrabaho, gagastusin ang sweldo, trabaho ulit, ubos-sweldo, hanggang sa hindi nila namamalayan nagiging cycle na pala ito ng living paycheck-to-paycheck.
Ang epekto ng living paycheck-to-paycheck lifestyle sa iyong finances.
Kung wala tayong ipon, wala tayong mahuhugot kapag may dumating na emegency at kailangan pa nating mangutang. Worst case scenario, kapag tayo ay nagkaroon ng malubhang sakit, ibebenta pa natin ang ating mga naipundar na ari-arian upang gamitin sa ating pagpapagamot.
Pay Yourself First (PYF)
Pagdating ng sweldo, matuto tayong itabi ang bahagi/porsyento ng ating sweldo para sa ating kinabukasan. Isang paraan upang maging handa sa anumang sakuna ay ang pagkakaroon ng Insurance Plan. Isa sa kagandahan nito ay ang pagkakaroon ng disiplina (forced savings). At kung sakaling magkaroon man tayo ng malubhang sakit, meron tayong maasahan na pagkukuhanan ng ating pagpapagamot.
"Education without Execution is just entertainment."
-Mr. Rex Mendoza
BENEFITS OF GETTING INSURED
Peace of Mind
Become worry-free by knowing you and your loved ones are financially taken care of in the event of your sickness or untimely demise.
Risk Management
Minimize the risk of losing your hard-earned assets when hit by critical illness with comprehensive health plans.
Forced Savings
Eliminate the trouble of saving for yourself while you are preparing for your future.
CLIENT TESTIMONIALS
SAMPLE PLANS
FAQs
Every plan varies per person, and it usually depends on the following factors including but not limited to: 1. Age 2. Health 3. Job
It depends on what type of plan you choose. There are limited pay plans (5,10,15,20 years to pay) and regular-pay plans (you will pay as long as you are insured).
No, you need to sign and apply for your insurance policy while you are in the Philippines. This is according to circular letter 2020-109 by Insurance Commission, "Insurers shall only insure persons situated within the Philippines."
You can still apply for life insurance but there's no guarantee that you will get approved and it will depend on the underwriters of the insurance company. There are two scenarios for this. First is yes, you can still be insured but you are rated (meaning you pay higher premiums compared to healthy individual because of your higher risk). Second is No, you are declined and is not insurable anymore.
There is no one-size-fits-all plan specially when it comes to personal finance. That's why we need to have a financial needs analysis to determine what are your goals, priorities, and how much is your budget. Only then I can suggest a plan that suits you.
"Change your life today. Don't gamble on the future, act now, without delay."
-Simone de Beauvoir
